What to do after a denied insurance claim
Published May 21, 2026
A denial can feel final, but many denials are reversed on appeal — especially when you respond methodically and on time.
Start by reading the denial letter closely; it must state the reason and your appeal rights and deadlines. Common reasons include missing documentation, a coverage exclusion, or a dispute over the cause of damage.
Gather evidence that addresses the stated reason — photos, receipts, expert estimates, or a letter from a professional. File a written appeal before the deadline and keep copies of everything.
If the appeal fails, you can file a complaint with your state department of insurance, and for larger disputes consider a public adjuster or attorney.
Frequently asked questions
＋ How long do I have to appeal a denied claim?
Deadlines vary by policy and claim type and are stated in the denial letter. Act quickly — missing the deadline can end your options.
＋ Can my state insurance department overturn a denial?
They cannot force a payment, but they will ask your insurer to justify the decision, which frequently resolves disputes in the consumer's favor.
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